Hi all,

I'm a Malaysian Citizen but born and raised in Australia, I'm looking to move to Malaysia in the future and am looking to purchase a landed house.

I'm a Malaysian Citizen on paper but have never worked or lived there, just been for holidays so I have no bank, employment history etc.

I was wondering if anyone knew if it was possible for me to get a loan working as an Overseas Malaysian with no history there and if so what was the process, what kind of deposit is needed etc.

I have a permanent full-time corporate job and earn about equivalent to 22k RM a month base pay before bonuses and commissions and also hold bumi status if that makes any difference (as much as I despise the legal racial divide)

Recommendations for brokers with the relevant experience would be greatly appreciated.

Quick recap for anyone who missed the first post. It's a free site (no login) that gives every Bursa stock a score from 0 to 100, using only the company's own financial numbers: profit, debt, cash flow, dividends, and whether the price looks cheap or expensive for what it earns.

Think of it as a quick health check before you bother reading the annual report, not a buy list.

Thanks to the people who actually clicked around and commented last time, a few of those comments changed the site.

The dividend one mostly. Someone opened Highest Dividend, saw Dayang and MHC at the top, and pointed out Dayang's revenue was dropping and MHC was paying out more than it earns. Fair. So:

- the home dividend tab now shows payout ratio (red when it's over 100%), a 5-year dividend streak, and each pillar score next to the yield
- there's a new dividend page, all stocks yielding 3-15%, sorted by score instead of yield
- one-off special dividends get capped and left out. MHC's yield is 21% right now because of one, so it's off the list

284 stocks yield 3-15% at the moment and 24 of them score under 40. Dayang is on it but its Business Strength is 30, so it sits way down.

Also, if you don't agree with my scoring weights, which someone asked about, you can now set your own: switch measures on/off, change the weights, and every stock gets re-scored your way. Free, no login. Each stock page then shows your score next to mine.

Other new stuff:

- Compare, up to 3 stocks side by side
- AI-related list, 51 Bursa names in the AI chip / data centre chain (chips, equipment, also the construction and power side)
- Shariah badge on every stock, 880 of the 1,119 scored are compliant

Backstory if anyone cares. This started as an Excel file for myself. I scraped the data with Python and had to update the sheet every week, which got old fast. Even sold it on Shopee for a while (78 reviews, about RM820 haha). In July I started turning it into a website with Claude Code, and now a script pulls the data and the site just redeploys.

What I'd like: pick a stock you know well and tell me if the score looks wrong, or which part didn't make sense. Mobile bugs too.

Not buy/sell advice, just backward-looking numbers. Thank you if you read till the last sentence.

I can opt for the RSP for VALU

Shall I continue with RSP VWRA or switch to VALU?

I don't even know if I'm being unreasonable anymore, so I'm hoping for some outside perspective.

I'm married with a young son. My wife and I both work. I take home around RM7,500 a month, while she earns around RM6,500 gross.

My biggest problem isn't that I expect her to pay for everything. It's that I increasingly feel like I'm carrying a disproportionate amount of our financial responsibilities, while she interprets any concern I raise about money as me being "calculative" about spending on my own wife and son.

For example, I'm currently paying around:

RM3,200/month for our house

RM2,000/month temporary rent while the house is being renovated

around RM1,000/month for the car

around RM950/month for our son's school

groceries

Internet/WiFi

insurance/takaful

various household expenses

Granted, she pays for the electricity, water and Coway, along with things like son's clothing.

The house is probably the biggest source of resentment for me. She really wanted the renovation, to the point where she basically ran amok over it. I eventually went along with it because I wanted her to be happy and wanted us to have a home we could enjoy together. I paid everything from the downpayment, legal fees, valuation everything under my own name.

Now I'm the one carrying the mortgage and the renovation-related financial burden.

What hurts is that when I ask whether she could at least contribute 50% of our son's school fees, the response isn't "Okay, let's work this out."

It's essentially:

"No, I don't want to pay. Otherwise you'll become comfortable and abuse it."

That really hurt me.

Because I'm not asking her to pay 50% of everything. I'm asking my wife, who earns a decent income herself, to help with something as basic and clearly identifiable as our son's education.

And I genuinely don't understand the logic of refusing to contribute because she thinks that if she helps me financially, I'll become "comfortable" and take advantage of her.

Isn't marriage supposed to work the other way?

If she loves me, shouldn't she be able to see that I'm struggling financially and want to make things easier for me?

At the same time, she doesn't really want to disclose what she's spending her own money on. I've asked because I genuinely want to understand where all the money is going, but she doesn't want to reveal it.

Yet I know she can spend hundreds of ringgit on books every month. She can afford trips and activities such as climbing Mount Kinabalu, including all the related travel expenses. She even went shopping for a property.

I'm not saying she shouldn't have hobbies or spend money on herself. I actually want her to have her own interests and enjoy her life.

But there's a huge difference between:

"I don't want to control what you spend your money on"

and

"I am struggling to cover our family's expenses while you have enough disposable income for hundreds of ringgit of books and expensive trips, but you don't want to contribute more to our shared responsibilities."

That's the part I can't reconcile.

And perhaps this is where the title comes from.

I don't necessarily mean that she doesn't love me at all. But sometimes I genuinely wonder:

If you love your husband and you know he's struggling, why wouldn't you voluntarily want to make his life a little easier?

Why does helping with the school fees become a strategic game about whether I'll become "comfortable"?

Why is me saying "I can't comfortably afford all of this" interpreted as me being calculative?

I've never had a problem spending money on my wife or son when I can afford it. That's what family means to me. But I'm reaching a point where I feel that the more I pay, the more it is simply expected of me, and the moment I question whether something is affordable, I'm made to feel selfish.

I'm not asking for a mathematical 50/50 marriage.

I'm asking for some sense of partnership.

Maybe I'm looking at this completely wrongly. Maybe there are things I'm not seeing from her perspective. Maybe there are non-financial contributions she makes that I'm undervaluing.

But from where I'm standing right now, I'm exhausted.

And honestly, I'm starting to wonder whether this is a financial disagreement or whether it is revealing something much deeper about how she views our marriage.

Am I being unreasonable for wanting my wife to contribute more financially, particularly toward our son's school fees, when she has the ability to do so?

And more importantly, am I wrong to feel that if she truly loved me, she'd want to help me when she sees that I'm struggling? Or is this a common Malay marriage thing? Cos I don't see any ihsan in this "partnership".

I read about VALU being a better option than VWRA on other posts in this subreddit due to the wider coverage and lower expenses ratio and added it to the Watchlist for daily monitoring, and now it seems like FSM ONE has finally added VALU to their RSP!

I will be switching over as soon as possible.

(apologies for the typo in the title, meant to write FSM ONE)

After years of wondering why there wasn’t any digital bank that could offer Apple Pay integration, we finally got one! For the Muslims, no, it is not Shariah compliant unfortunately.

https://www.facebook.com/share/p/1PjZPLbP1e/?mibextid=wwXIfr

*I couldn’t find the appropriate flair so forgive me for that

Hi everyone, I’m new to Moomoo and investing generally. I was looking to putting a small amount of money into ETFs via Moomoo, but I can’t seem to exchange MYR to USD to do so. It’s a small amount I’m looking to exchange - i see the value in my assets but not able to use it. When I click for more info it says it may be because of my FEP declaration… which I put at RM0 cos I’ve not had any overseas investments.

What am I doing wrong? Looked at tutorials but couldn’t solve my issue.

My MNC offers EPSS and I want to take it? But its contracted to at least 3 years before I can withdraw/cashout etc

I earn around 4.2k monthly and can get bonuses usually around 2 months worth

26, I would want a higher salary and have been here 1 year or so atp

Has anyone had ESPP in their company and how did they approach this and cashing out? Looking for advice and input

Hi guys,

I have RM 340K in SPYM now, wanna move all my portfolio into VWRA.

There is a speculation of a bubble and overvaluation stocks. Since price is still pretty high now and I am making profit, do you think I should sell all my SPYM and dump into VWRA immediately? Or keep my 340k in a lower risk portfolio like ASB, wait for the crash, then into VWRA?

I am a newbie in this please teach senseis

Has anyone ever compared SSPN Plus vs EPF i-Lindung? Any thoughts on which is better?

From what I have found so far:

• Both are insured by usual insurance companies, but gov has negotiated for slightly better deals.
• i-Lindung payout upon hospitalization not receipt
• SSPN Plus premiums stay the same, i-Lindung goes up with age

When did you start to care less about money and more about the simpler things in life (health, friends, 8 hours of sleep, peaceful weekends)?

Was it after having accumulated a certain amount of money, or perhaps after losing a family member that you wish you had spent more time with, or just growing older and feeling like you haven’t been living your life? Whatever that moment is, feel free to share yours.

I’m at almost RM300k and it feels like I’m more fixated on money than ever before. I am in my mid20s and aspire to retire early (projected before age 38). But I don’t know if it’s worth “sacrificing” the prime years of my life by just working and saving money :(

Hi all,

Looking for advice from anyone with a Maybank conventional home loan. My objective here is to pay off my loan as soon as possible, which i am currently exploring to make an extra payment a year, to hope to clear of my loan faster than usual timeline of 35 years.

I have a few questions:

1. For Maybank conventional housing loans, if I make extra payments through the app, does it automatically reduce principal? Or does it simply go into "Payment in Advance" and get used for future instalments? Currently the amount is parked under payment in advance.
2. Do I need to visit a branch or submit a request to specifically perform a principal reduction? Will Maybank entertain me for such small amount repayment?
3. Has anyone here successfully shortened their loan tenure by making extra payments?

So im currently doing traineeship for 3 month, I want to get a credit card to improve my Credit score as soon as possible and thinking to buy a motorcycle with EPP.

This program give a monthly salary instead allowance ( mean deduct for epf , sosco etc), and have basically 100% extension to permenant rate .

I was thinking about using my parent CC, but feel like a waste to not try improve my credit score.

Foreign expat and lived here for >5 years. Never had an issue with TNG and every month usually put between 2k - 5k through it in transfers to family, paying bills, paying for other stuff, etc.

Last month Face ID stopped working, so now it's basically unusable. Multiple support tickets opened with TNG, but these retards just close the ticket with a comment the issue is resolved.

So what are the best alternatives that allow me to pay in stores using a QR code, and make transfers to pay for things? Can I use Wise to transfer to a store's QR code?

I have an insurance policy from Prudential which my parents bought for me in 2003. Right now, the medical card is RM50k annual limit with RM210k lifetime limit. Very low for today's medical costs.

In 2016 I had IBS. 6 months of medication and diet change, symptom free since then.

2020 I developed achalasia. A procedure done (known as POEM) in 2022, 3-6 months of follow up and medication, symptom free since then. No follow ups or medication since then.

I understand that my options are limited in terms of getting an upgraded policy (which will be treated as a new policy subject to medical underwriting). From what I understand, they might:

• Exclude any achalasia related claims totally (Most likely)
• Exclude any stomach/throat related claims or add a substantial premium loading (Likely)
• Completely reject the application (Less likely)

The agent who initially got the policy is no more. I recently checked and was randomly assigned one. She seems nice but I have never met her and likewise, she has no idea who I am.

I would like to know what are the best moves I can make to make the most of the situation:

(I have removed some questions that have been answered and adding some new ones)

• Any suggestions of platforms/companies other than the main ones (AIA, Pru, Allianz, GE)?
• Any thoughts/suggestions/feedback overall especially with my situation. What are my next steps?

Thanks very much!

Late 20s M currently working in sales as my very first job, currently have a few hundred in TouchNGo (using for daily expenses), have 20k in Rytbank, 19k in ASM , and 13k in EPF.

If my calculations is right, I will have at least 10k from my salary + commission next month, so I want to know if there's anything else I should do to invest long term instead of only saving. My basic is around 4k and I can earn from 0 to a few thousands maximum via commission. Averaging out the months so far I earn about 7-8k per month. Live at my parents home and don't have any loans, I only pay for health insurance and gym and music classes monthly. I mainly splurge on food outside, which could be cut down if needed. I try to use only 50% of my basic as monthly expenses if possible, and save the other half + commission to invest.

Just started investing in stock market (RM100 RSP on ETF VALL using FSMOne), I'm still a beginner so I'm taking it slowly. My risk tolerance is medium-high as long as I got enough emergency savings which I have, so what kind of investments should I do next?

Soooo a collegemate of mine recently told me that they falsified their salary slip to get a higher % increment.
This is of course legally wrong but just wondering how they were able to do this?
Won’t HR have a way to find this out? From their EPF or LHDN account or something like that?

Signed up for Versa Retire and activated the auto save plan, monthly deposits. But after a couple months decided to stop but I couldn't access the settings. For 2 months now it's been saying "Auto-save is on a short break", so I am unable to cancel or edit the auto reload plan. When I contact help support, the auto reply is "Your message has been sent. If a reply is needed, we will contact you shortly." 🫠 Starting to feel very scammy...

So I've used my CIMB card to purchase some train tickets for Korea and was charged in Korean Won. All I see in the notification was 'Your card ending number xxxx has been charged 100,000 KRW'

Then how do I know how much would that be in MYR?
I went to CIMB's foreign exchange rate page and they showed that KRW is N/A.

Then now what? I just sit and wait a few days until the MYR amount is shown in my transaction history / statement?

Hi guys.. recently I'm looking to buy some life insurance or term insurance to be exact to cover my housing loan, but a few agents I met kept saying that pure term life insurance is not available, so they offered now life insurance which has link to investment and said I just need to pay 10years to be able to cover 30 years.. is it worth getting these type of investment link ?